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You searched for the term Income protection Your search returned the following 40 results...
 
  • Why mortgage clients need income protection CPD - Royal London for advisers

    Why mortgage clients need income protection When protecting a mortgage the standard recommendation is usually life cover. But what happens if your clients are too ill to work? How will they manage to pay their monthly bills? We'll take a look at some solutions to help your mortgage clients protect...

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    CPD

    Webinars

  • Income protection for business - Royal London for advisers

    A snapshot of our Income Protection No one wants to worry about what might happen to their business if they can't work. But absence from work because of illness or injury is one of the biggest risks your clients face. That's why our Income Protection includes fracture cover as standard. Our Income...

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    Business

    Income protection

    Business covers

  • Our recent changes could help make the income protection sale easier - Royal London for advisers

    Our recent changes could help make the income protection sale easier Sarah Scott 29 April 2019 In 2018, our research found that almost four times more people owned life cover than an income protection product*. And with 25% saying they felt that income protection was too expensive1, it was clear...

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    Personal

    Income protection

    Personal protection

  • Income Protection Insurance - Royal London for advisers

    Income Protection Our Income Protection can help your clients rest a bit easier, knowing they'll get a monthly income if they're sick or injured and can't work. Your clients can choose between level or increasing cover, they can select the length of their deferred period, and choose how long...

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    Personal

    Income protection

  • Approaching income protection - Royal London for advisers

    Approaching income protection Watch our adviser films and find out how they approach the income protection conversation.     The value of income protection             Approaching the conversation             Target audience             Objection handling             Helping Hand             Claims experience           View these income protection videos on our Vimeo page.

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    Tools

    Income protection

  • How netball made me assess my Income Protection needs - Royal London for advisers

    ...the importance of having Income Protection in place. Clearly a number of employers will pay for a short period of sickness, but what happens after that? I certainly couldn’t afford to be off work. For me it’s now a no-brainer – and I almost can’t believe I have waited so long to protect my income. Make...

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    Income protection

    Blog

    Personal protection

  • Additional benefits of Income Protection - Royal London for advisers

    Additional benefits of Income Protection Our Income Protection also automatically includes fracture cover and hospitalisation payment as standard. There’s no need to wait for your chosen deferred period to end before getting a payout and they don’t affect your main Income Protection cover. Fracture...

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    Income protection

    Business covers

    Business protection

  • Maximum benefit calculator - Royal London for advisers

    Maximum income calculator Work out the maximum income your client can apply for under Income Protection. This calculator allows you to work out the maximum income your client can apply for under Income Protection. It doesn’t apply to Key Person Income Protection. This calculator will also allow you...

  • Attitudes towards income protection - Royal London for advisers

    Attitudes toward income protection Ross Jackson 19 September 2017 Share Share Royal London commissioned Opinium to run our State of the Protection Nation research to find out how people felt about their own protection needs and the industry as a whole. We surveyed people who had already taken out...

  • Key Person Income Protection - Royal London for advisers

    Key Person Income Protection No one wants to worry about what might happen to their business if a skilled employee can't work because of an injury or illness. Our Key Person Income Protection pays out a monthly income at the end of the deferred period if the person covered is either unable to work...

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    Business

    Income protection

    Key Person Cover

    ...

  • A quick checklist for reviewing income protection - Royal London for advisers

    A quick checklist for reviewing income protection Jennifer Gilchrist 20 November 2019 At Royal London, we believe that income protection is essential for all working age adults unless they have alternative financial support or lots of savings they can call on if they can’t work due to illness...

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    Personal

    Income protection

    Blog

  • Details of our Income Protection - Royal London for advisers

    Product details of our Income Protection Find out more about our Income Protection and how your clients can choose their own cover to suit their individual needs. We'll pay out Income Protection claims if your clients are unable to work due to sickness, accident or disability and meet our...

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    Personal

    Income protection

  • Why mortgage clients need to consider income protection - Royal London for advisers

    Why mortgage clients need to consider income protection Vincent O'Connor 21 August 2019 When you hear the words ‘mortgage protection’ what do you instinctively think of? You’re probably thinking about life cover or critical illness cover? Or perhaps decreasing term assurance? These are all great...

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    Income protection

  • Financial underwriting limits - Royal London for advisers

    ...insurers. Select product type Personal Menu Plan Business Menu Plan Relevant Life Plan Select cover type Life Cover Critical Illness Cover Life or Critical Illness Cover Income Protection IHT Mitigation Life Cover Critical Illness Cover Life or Critical Illness Cover Income Protection Key Person Income...

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    Underwriting

  • Protecting income, protecting lifestyle - The backup plan CPD - Royal London for advisers

    Pay, Employment & Support Allowance / Universal Credit, and Support for Mortgage Interest for the 2019/2020 tax year). Some simple but effective open questions and talking points to help your clients prioritise their protection risks and help them take appropriate action. How Royal London can help you design a high quality Income Protection solution for your clients, even if on a modest budget. Last updated: 01 Jul 2019...

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    CPD

    Webinars

  • Protecting income & protecting lifestyle – the backup plan! - Royal London for advisers

    ...have now made it clear that any income that people receive from insurance (such as Income Protection) which is specifically intended to cover their mortgage payments; this would be disregarded when their means tested benefits are assessed. 5. Can an employer claim the Statutory Sick Pay they have paid...

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    Personal

  • The risks your clients face without income protection - Royal London for advisers

    The risk your clients face without income protection Tracey Miller 19 February 2019 Perhaps income protection and critical illness cover could be even more important than life insurance for your clients. Christmas might seem like a distant memory now. The ceremonious switching on of lights...

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    Personal

    Critical Illness Cover

    Income protection

  • Income protection for NHS medical professionals - Royal London for advisers

    Income Protection for NHS medical professionals You can set up our Income Protection plans to pay out in line with NHS sick pay arrangements. Just select a 52-week deferred period and make sure your client will meet these criteria at the time they claim to qualify: Works in a medical profession...

  • Good advice has its benefits - Royal London for advisers

    , like contractors or those who are self-employed, may not even be entitled to receive that. More stress over how to pay the mortgage and bills isn’t something they need when they’re already feeling low. Two of the most common reasons for claims on our Income Protection last year were...

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    Income protection

    Personal protection

  • Back to work? - Royal London for advisers

    ...obvious pressure on public finances explaining the shrinking state support as we've seen with the reduction in employment and support allowance (ESA), the move to Universal Credit and changes to support with mortgage interest. The advice opportunity for income protection is huge. In a 'Which' survey...

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    Blog

  • Income shortfall calculator - Royal London for advisers

    Income shortfall calculator How long could your clients cope if they were too ill to work? Use this tool to show your clients how Income Protection could help them avoid a shortfall in their monthly income if they’re too ill to work. Enter your client’s income, outgoings and savings details below...

  • Have we got our protection priorities all wrong? - Royal London for advisers

    % had critical illness cover and only 4% had income protection**. We all know the reasons for this – they’ve been well-explored by commentators for years. But surely the time is now upon us when our attitudes have to change? Maybe it’s time to break long-held prescription habits? Is it always reasonable...

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    Blog

  • How family income benefit can provide an affordable protection solution - Royal London for advisers

    How family income benefit can provide an affordable protection solution Ross Jackson 11 December 2019 We’re all familiar with one of the key barriers to people taking out protection – affordability. In our recent State of the Protection Nation research, this was the top reason given by consumers...

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    Blog

  • Target Market Statements - Protection products - Royal London for advisers

    . Personal Menu Plan Personal Menu – Life Cover Personal Menu – Life or Critical Illness Cover Personal Menu – Critical Illness Cover Personal Menu – Income Protection Personal Menu – Waiver of Premium (sickness) Business Menu Plan Business Menu – Income Protection Business Menu – Waiver of Premium (sickness...

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    Personal

    Business

    Life Cover

    ...

  • Complete the protection treble for your clients - Royal London for advisers

    ...and Scotland I thought I’d talk about the protection treble of life cover, critical illness cover and income protection. Of these three, life cover is the most popular as it’s generally linked to a mortgage, critical illness is usually added as part of a combined life or earlier critical illness plan...

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    Personal

    Blog

    Personal protection

  • Use our protection tools - Royal London for advisers

    ...what evidence we need to see depending on the amount of cover asked for. Approaching income protection Our videos can support you with your client conversations about income protection. Medical conditions Use this tool to see an indication of the underwriting decision that might apply for clients...

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    Tools and support

  • Mapping your recommendations to your clients' needs - Royal London for advisers

    ...in my working life, yet only an 11% chance of getting a critical illness, and a thankfully much smaller 3% chance of dying1. But life cover and critical illness sales outstrip income protection by some margin. Of course income protection might not be appropriate for every client, but running...

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    Personal

    Critical Illness Cover

    Income protection

    ...

  • Use our national insurance calculator - Royal London for advisers

    ...they be required. And don’t forget Income Protection can be combined with other benefits, such as Life Cover so you can tailor a plan to suit the individual needs and budgets of your clients. Even a little bit of the right cover can help your self-employed clients protect themselves and their income. Want...

  • Protection CPD hub - Royal London for advisers

    ...of the Insurance Distribution Directive we’ve developed a CPD Hub. It’s packed with protection research, webinars and guides, all divided into bite sized chunks. With modules on everything from Income Protection to Wills, Trusts and Guardianship, it’s easy to build up those valuable learning hours...

  • Why it’s vital to provide holistic protection advice - Royal London for advisers

    ’ need areas. Several years ago, a client came to us looking for income protection. They’d been running their own consultancy business for a year and were finally getting around to looking at protection. When advising a client who gets in touch with a very specific need, it can be all too easy...

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    Life Cover

  • Why some claims get rejected and what you can do to help - Royal London for advisers

    ...important or not. And if you or your clients are unsure about anything – you can always ask the underwriter handling the application, as they should always be able to give the help and support you need. Income protection A significant challenge with income protection is ensuring the cover selected...

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    Underwriting

    Claims

    Blog

  • The protection conversation. How do you tailor yours? - Royal London for advisers

    ...couples. But there’s a new protection trigger in town: our latest State of the Protection Nation report has revealed that 12% of consumers who took out income protection did so as a result of a salary increase. What’s more, consumers tell us that other reasons they took out income protection included...

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    Tools and support

    Blog

    Personal protection

  • Guide to family protection - Royal London for advisers

    ...prematurely. Family protection is all about having a financial safety net in place so that the family can remain financially secure should the unthinkable happen. Family protection can cover life insurance, critical illness cover and income protection. What is family protection? Most families would...

  • During your client meeting - Royal London for advisers

    ...calculator Calculates any potential IHT liability based on your client's assets and liabilities. Income shortfall calculator Use this calculator to show your clients how Income Protection could help them avoid a shortfall in their monthly income if they’re too ill to work. Maximum income calculator Work out...

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    Tools and support

  • Attitudes towards protection and financial advice - Royal London for advisers

    ...cope with the unexpected? Do you have insurance? Do you have income protection? Have you ever spoken with a financial adviser? If you're thinking about targeting some new customers, why not take a look at our marketing studio? It holds posters, forms and sales aids that you can personalise with your...

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    Personal

    Tools

    Opinion

    ...

  • Personal protection - Royal London for advisers

    's Critical Illness Cover Income Protection Waiver of Premium (Sickness) Benefits of our Personal Menu Plan Deliver what your clients need –  mix and match a range of covers to suit your clients' individual needs. For example, by combining Income Protection with Life Cover you can make sure they've...

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    Personal

  • Before your client meeting - Royal London for advisers

    ...this simple tool to reveal what evidence we need to see depending on the amount of cover asked for. Approaching income protection Our videos can support you with your client conversations about income protection. Medical conditions Use this tool to see an indication of the underwriting decision that might apply for clients with specific medical conditions.

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    Tools

  • What's for dinner tonight? - Royal London for advisers

    . And it’s when income protection should really begin to sell itself. If your client has been off work for a long period because of illness or injury, their employer will eventually stop paying them. And then what? According to research, the average UK household is only 32 days away from the breadline2...

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    Personal

    Income protection

    Blog

  • Why choose Royal London for protection - Royal London for advisers

    Why Royal London for protection? Tailored Income Protection We’ve improved our Income Protection – see our sales aid to find out more. DOWNLOAD At Royal London, we understand everyone’s unique. That’s why our protection proposition isn’t ‘one size fits all’. Our range of flexible cover options give...

  • Latest Royal London updates - Royal London for advisers

    Latest Royal London updates A quick checklist for reviewing income protection Nov 26 2019 At Royal London, we believe that income protection is essential for all working age adults unless they have alternative financial support or lots of savings they can call on if they can’t work due to illness...

This website is intended for financial advisers only and shouldn't be relied upon by any other person. If you are not an adviser please visit royallondon.com.

The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The firm is on the Financial Services Register, registration number 117672. It provides life assurance and pensions. Registered in England and Wales number 99064. Registered office: 55 Gracechurch Street, London, EC3V 0RL.